13.70
-0.36%
Close of 9 Nov 2026, in USD
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About Seneca Financial
From its filings with the US Securities and Exchange Commission
Seneca Financial is based in Baldwinsville, New York and is incorporated in Maryland. Its shares trade on OTC under the ticker SNNF. The SEC classifies its business as national commercial banks. In the fiscal year to 31 December 2025, it reported net income of $172,000. At that date it held total assets of $312.1m and shareholders' equity of $32.8m.
The Company is the successor corporation to Seneca Financial Corp., the former federally chartered mid-tier stock holding company, which was formed in connection with the conversion of Seneca Savings Bank into the mutual holding company form of organization in October 2017, which in turn was a subsidiary of the Mutual Holding Company, which owned a majority of Seneca Financial Corp.’s outstanding common stock.
Upon completion of the Conversion, the outstanding shares of Seneca Financial Corp.’s common stock owned by stockholders other than the Mutual Holding Company were converted into shares of Seneca Bancorp common stock based on an exchange ratio of 0.9684 of a share of Seneca Bancorp common stock for each share of Seneca Financial Corp.’s common stock, so that Seneca Financial Corp.’s existing public stockholders owned approximately the same percentage of Seneca Bancorp’s common stock upon completion of the Conversion as they owned of Seneca Financial Corp.’s common stock immediately prior to the Conversion. Cash was paid in lieu of fractional shares of Seneca Bancorp common stock at a rate of $10.00 per share.
Quoted from its 10-K, filed 30 Mar 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- N/A
- Industry
- N/A
- Listed since
- 11 Oct 2017
- Employees
- 41
- Head office
- 35 OSWEGO STREET, BALDWINSVILLE, NY, 13027
- Incorporated in
- MD
- Classification
- National Commercial Banks
- Filer status
- Non-accelerated filer<br>Smaller reporting company
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 0
- Environment
- 0
- Social
- 0
- Governance
- 0
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Savings and loan holding company with 41 employees in Baldwinsville, New York.
- Primarily engaged in taking deposits from the general public and originating commercial real estate loans.
- Offers a range of loans including mortgage, commercial, and consumer loans with diverse product types.
Weaknesses
- Limited to 41 full-time employees and a small headquarters in Baldwinsville, New York.
- Dependent on mortgage-backed securities issued by U.S. government-sponsored enterprises for investments.
- Reliance on commercial real estate and commercial and industrial loans as primary revenue sources.
Opportunities
- Expanding into new markets within the United States for increased deposit and loan growth.
- Growing demand for mortgage loans on one-to-four family residential properties.
- Increasing investment in municipal securities and corporate bonds for diversified portfolio.
Threats
- Economic downturns affecting commercial real estate and commercial loans performance.
- Regulatory changes in the U.S. financial sector impacting mortgage-backed securities.
- Competition from larger financial institutions in the Baldwinsville area.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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